Personal Solutions

“Having been a client of Malcolm Brown’s for almost 10 years, I couldn’t be more satisfied. Everyone at the Agency has been so helpful and friendly over the years. They have helped us through the ‘oh so fun’ years of a teenage driver and still always managed to get us good coverage at good rates. I can’t say enough good things about the Malcolm Brown Insurance Agency!” — Shawn H.

Personal Insurance

Whether it’s coverage for your home, auto, valuables or a personal umbrella, we can design a personal insurance program that is tailored to meet your specific needs. Our goal is to help you secure the proper coverage at a competitive price for all your personal insurance needs.

Our goal is to protect you and your family adequately if an unfortunate event occurs that could pose a financial/mental burden that is immeasurable! We accomplish this by researching the coverage’s based on your needs, and then proposing the company products that meet those needs. We also strive to build long term relationships by providing the advice and guidance that our customers expect and deserve. Your security and the protection of your family is our main priority.

The value of good insurance doesn’t become apparent until you really need it! Whether it’s a minor claim or a more substantial loss, it pays to have insurance coverage you can count on. Our friendly staff is here to answer all of your insurance questions and assist you with any problems you may have.

Please use our checklist below as a guide to review your insurance options.

Homeowner’s Insurance
Condo Unit Owner’s Insurance
Renters Insurance
Dwelling Fire Insurance
Extended Replacement Cost on Dwelling
Replacement Cost on Contents
Building Code Upgrade Coverage
Scheduled Personal Property (i.e. Jewelry, Fine Arts, Silver)
Agreed Value on Scheduled Personal Property versus Actual Cash Value
Special Personal Property Coverage (Expanded Perils on Contents)
High Value Homeowner’s Coverage (HO-5) versus Standard Homeowner’s Coverage (HO-3)
Loss Assessment Coverage
Tenant’s Improvements and Betterments Coverage
Workers’ Compensation for Household Employees
Course of Construction Insurance
Personal Injury Coverage
Liability Coverage Extended to Secondary Residences and Rental Properties
Volunteer Liability Coverage
Increased Limits of Liability Coverage
Earthquake Coverage
Flood Coverage on Dwelling
Flood Coverage on Contents
Excess Flood Coverage

Personal Auto
Insurance/Uninsured Underinsured Motorists
Coverage Excess Uninsured/Underinsured Motorists Coverage
Increased Limits of Auto Liability Coverage
Waiver of Collision Deductible
Rental Reimbursement
Agreed Value Coverage on Autos
Auto Loan/Lease Coverage
Towing and Labor

Personal Health/Dental Insurance

Personal Life Insurance

Personal Umbrella Liability Insurance

Other Vehicles
Watercraft/Yacht Insurance
Recreational Vehicle Insurance
Aircraft Insurance